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There is a common misconception that a person with a high income would have a high credit score. This is not necessarily true. No matter if you are an individual on minimum wage, or a millionaire your credit score will depend on how you manage and maintain...

There are five main and basic steps to help you work towards healthy credit. Managing credit can be easy if you take the time and gain a little knowledge on how your scores are calculated.

1. Be Punctual- Be sure to always pay your bills on time each month....

Your credit history is a record of your credit accounts. The credit bureaus Experian, Equifax and Transunion each keep detailed records of your accounts and payment history. This information becomes especially important when you apply for new lines of credit such as credit cards, loans and mortgages. How do credit bureaus...